Tag: Neil Panoisan

HOW TO NAVIGATE A TOUGH ECONOMY 💸

This may strike some as an odd topic for a self-improvement blog. Money, or having enough of it, is really a secret to an amazing life. Lack of money can cause us to make questionable decisions or prevent us from being the wonderful giving beings we were created to be. Today we are all facing rising prices and inflation. The causes of these can be endlessly debated, and to be honest, does little to help us navigate the present situation. What we need is some concrete tools and strategies to help us make the most of what money we have.

Recently, I was interviewed by Madison Alworth of Fox Business News. She asked some very thought-provoking questions that are on the minds of most of us in this economy. One of them was what financial challenges I was facing. Like many of you the answer is not the price of any one item. It seems the price of most items has seen an increase. Some of them may be significant, but most are slight. The issue becomes when all of those slight increases are added together, the strain on our budget is anything but slight.

The two avenues I suggest we employ to tackle these challenges are planning and focus. One issue that Madison brought up was credit card debt. This is a huge strain on many budgets. Setting the focus on paying off, and discontinuing the use of, high interest cards should be a priority. Store credit cards can have interest rates as high as 25%. That would amount to paying $25 for a $20 item. Imagine doing that over and over again. Most of us are carrying a balance well over $20. Reducing the principal on these cards as soon as possible will save us considerably in the long-term.

This brings us to the planning aspect. Incurring a little pain in the short-term, such as making a coffee at home instead of stopping at the local coffee shop, at least not as often, and applying that money to paying off our credit cards. This may not seem fun at the moment, but it will help keep our heads above water. The more ways we can get creative with our spending and our saving, the better position we will be to make it through the tough economy. Once through, these tools and strategies will position us to get ahead in the future.

SEEDS ON CONCRETE 🌱

Last post, I mentioned a negative experience I had with a gentleman on social media. I wanted to revisit that story because it brought to mind another great secret to an amazing life. This man really did inspire a lot of good ideas. In case you did not read the last post, let me give you the tale in a nutshell. I wanted to share this site with my neighbors in hope that I could bring a lot of joy to those living in my city. I went to social media and shared a little story about this site and what everyone can find here. Careful to mention that it is indeed free.

That is when things took a turn I wasn’t quite expecting. This gentleman said that I was telling him what to think and he wanted no part of it. Explaining that this was not at all what this site was about did nothing to satisfy him. He then went on to state that I was an influencer looking to make money off of people for doing nothing. Reminding him the site is completely free and is just intended to bring positivity to people only prompted him to call me a liar. He was soon joined by a woman who echoed his feelings. Here is the ironic thing, neither of them even looked at the site.

My lady, in a desire to defend me, wanted to inform them of a bit more than what this site was all about. Informing her this was a waste of our energy and would only incite them further, she shortened her rebuff. Here is the crazy thing. These two people who have such a cynical view of the world, are exactly who could use this site the most. It may help them lift themselves out of the negative view they have of the world and those in it.

The ironic part is that they will be the last people to ever read it. This is something that I learned years ago as a bartender. You can bring knowledge, encouragement and inspiration to the masses. You can plant seeds of motivation and inspiration. For some souls, it is like throwing those seeds on concrete. It is the concrete parts of the world who could use the flowers the most, but if you spend your life and energy here, you are throwing your seeds on concrete. The chances anything will bloom are slim. It is certainly worth introducing everyone to the good you discover in life, but your energy is best served by sharing with those who are open and looking.

In life, it may feel like all of your efforts are not accomplishing much. Chances are there is nothing wrong with your efforts. You may just be tossing your seeds on concrete. That is not to say you should abandon those folks. Just spend most of your time, energy and seeds on those who will be open to your efforts.

WHY ARE THEY LIKE THAT? 🤨

Do you have people in your life that treat you harshly and you cannot figure out why? Let me give you two fine examples from my own life. At my day job, I do my best to bring joy and show appreciation to everyone. There is a couple I work with who seem bent on bringing drama into the work place. We looked at the best way to deal with these people last post. The funny thing is that initially, only the man worked there and we got along great. When he lady started there, everything changed. They make up lies about me to the boss. They even will spend extra energy to do things they feel make my job more difficult. This is not only sad and petty, but a complete waste of energy on their part. Not only do I not waste my time or energy on doing anything to make their workday miserable, I honestly never give them a thought. Unless, of course, it will help me come up with an example for a blog.

Another fun example is this blog. Recently, I shared it on a local social media site. I am in over 200 countries around the world, but it is always good to take care of your own neighborhood. Most of the responses were positive, but like in any crowd, there were a few detractors. It started with a gentleman who accused me on telling him what to think. Informing him that is not what this site is about, he told me that I was an online influencer making money off people for doing nothing. I informed him my site is completely free and is just for leaving the world a better place than I found it. He called me a liar.

What makes these people so cynical and miserable? I do not know their stories, but I am sure there is one. Somewhere they must have picked up on the idea that life is a negative experience. As to why that anger comes out directed at me? To me, that is not really a big deal. It serves two very important functions. First, it reminds me of the need to put positivity out into the world. Second, if they are focused on me, for that time they are not directing their misery at someone else. I am grateful for the example as to what it can be like if you do not keep a positive outlook as well. These folks, despite their best efforts, have given me no less than three things to be grateful for. When you do your best to be positive and bring light to the world, know there will be others who are offended by that. Perhaps they do not like seeing others happy when they are not. Maybe they are jealous that you have found the secret to an amazing life? Whatever the cause, do not take it personal. Send them some good vibes and move on. It is not worth your energy.

THE BEST WAY TO WIN THE WAR 🪖

This thought comes from the book, The Art of War. It is a great book not only for military conflict, but for life as well. This quote is a prime example. Many people wish to start wars with us. They could be an ex lover, a jealous coworker, or a boss that likes to put us down. Some of them just enjoy bringing chaos into our lives. Have you ever heard the saying ‘misery loves company’? It is true. There are folks whose only joy in life is to see people as miserable as they are. Baffles me as why this is better than working on their own life, but ours is not to wonder why.

Often, the only result these folks want is for us to engage them in this misery. Remember that you do not have to attend every argument you are invited to. What you should do instead is what Frank Sinatra reminded us to do in the quote above. Focus on our success. Nothing will drive a miserable person crazy than to see the person they are trying to bring down experiencing joy and success. Do not engage them. Do not fight them and you will win the war!

Next time someone does their best to start drama in your life, instead of engaging with them, focus on your own success. At the end of the day you will be further ahead while they will be in the same place disgusted they could not force you into joining them in their misery. That is a win for you.

WHAT DEFINES OUR CHARACTER 🤔

Many people shy away from the fires of life. That is to be understood. Nobody really enjoys discomfort. What you must consider is what discomfort and challenges do in our life. They provide us opportunities that comfort and ease simply cannot. You grow exponentially more during difficult times than you do when life is easy. You also display to others your true character.

Everyone can be patient, helpful and happy when the sun is shinning and all of the bills are paid. Can you still have that kindness and compassion when life is not going so well? Can you still treat others as you would want them to treat you when life is beating you down? If you can, it speaks volumes about you and your character. This is something that you could never display unless you face challenges and adversity. Next time life seems to descend into chaos, ask yourself one very important question, “How am I going to walk through this fire?” If you are really brave, you can ask a follow up question, “What will that say about me?”

Be grateful for the challenges. They help us to grow and to demonstrate to the world the strength of our character. You can dislike the challenge and still be grateful for the opportunity.

IT IS ON TODAY! 😋

Today is one of my favorite days of the year. It is the opening day of the Wisconsin State Fair. I have loved state fair ever since I was young. In fact, I have gone every year since I was born in 1975. In 1996, as I was making my way through the self-improvement journey I was and am still on, I decided to make a change in my life. I recall standing in the center of fair park, in an are they smartly call ‘central park’, and watching the people go by. It was then a thought occurred to me. “If I am so happy every time I come here, why don’t I come here more often?” That was 1996, and I have been to every day of the Wisconsin State Fair since.

The idea behind this was simple. If I have a lot of fun on one day, wouldn’t I have 11 times that much if I went every day? So far it has proved to be so. Attending with different people, doing different things keeps it fresh and exciting. You learn where all the deals are so that you do not spend so much. Not to mention, the memories you create last a lifetime. I am sure there will be more memories created this year that will be talked about years later. Above was a fun picture that I took with my lovely Margie. Last year, my mother and I relaxed with an iced coffee listening to a band playing tropical music.

Some of the best things are events we did not even know about. Here is my mother and I celebrating the 75th birthday of Smokey Bear, who tragically may not be there this year. Still, like the tropical band, fun foods and drinks and places we have never seen, every year there is some fun surprise waiting for us. This makes the excitement leading up to the Wisconsin State Fair even more exciting. Who knows who we will run into and what we will do? Even we do not!

Whatever it is in your life, find something you love and go all out with it! People often ask me how long I will continue to go to the fair every day. Until it ceases to be fun I suppose. Until then, I am going to cherish every ounce of fun that I can out of the experience. I suggest you do the same. Find something you can look forward to every year. Maybe a fishing trip with the guys, or a shopping trip with the girls. Then again, maybe a fishing trip with the girls or a shopping trip with the guys. Whatever works! Grab some friends or a loved one and start making plans!

DON’T BE AS SHEEP 🐑

Here is a post I could do in this country every four years. That would be election time. In this country, there is two main political parties. There are really several others, but people do not usually bother to learn about them. In fact, when it comes to voting those who are to lead our country, there seems to not be a lot of thinking at all. More so, is picking a party and gathering facts to support the party you have picked. This is then usually used to post on social media or start disagreements with family and friends. On occasion, perhaps a complete stranger who may be foolish enough to ask our opinion on politics.

This is not only true of politics, although that serves as a great example, but in many areas of life. People accept what those in positions of authority, whether that is parents, political or religious leaders. We are like the sheep Seneca spoke of. That is not to say that many of these people are not good leaders who have our best interest at heart. We should, however, step out of the crowd and find out for ourselves. Seek a little higher ground so we can get a better view of the big picture. Learn facts from unbiased sources. Do our own independent judgement. Even more important, approach the subject and world with an open and compassionate mind.

Do not be like a sheep following the crowd. Instead use your head to think and develop opinions that are your own. Most of the people you are following have little or no knowledge of your own personal situation. Remember to approach life with an open and compassionate mind. Others can hold different opinions and still be right. What is right for them and their situation can be different than what is right for us.

NEGATIVE THOUGHTS 🎞

Who hasn’t had the occasional stray thought? If we are to believe what science tells us, that would be nobody. It is said that we have roughly 60,000 thoughts a day and that roughly 80% of them are negative. Both of those numbers really depend on the person. I know several people who manage to maintain a positive disposition in the face of the most challenging odds. I also know people who somehow manage to keep the number of thoughts they have well below the 60,000 mark. Some I wonder if they ever get to the double digits. Most of us fall into the numbers that science puts out.

It may be next to impossible to fight off the arrival of negative thoughts. Doing so can often make them push harder to arrive. What are we to do? Adjust how we view negative thoughts. We can ask ourselves what these thoughts may be trying to teach us. We can ask ourselves why we are reacting so negatively to them. There are a million lessons we can learn from our negative thoughts. It can also be helpful to turn it into a game of sorts. Noticing and adjusting to negative thoughts can be a challenge, but it does not have to be a negative one. Start timing how long it takes you to overcome a negative thought. Start keeping track of the time between negative thoughts and see if you can’t go just a little bit longer next time. When you do, celebrate!

Negative thoughts are a part of life and they can serve a good purpose. Let us put them to use for us. Have fun with the journey. Be calm in the knowledge that your life is improving with each positive thought you have. Let us know any tools and strategies you have for dealing with negative thoughts.

A VULGAR MISTAKE 🙅‍♀️

Mr. Emerson uses a great term, in my opinion. It is a ‘vulgar mistake’ when we confuse being contradicted with being persecuted. There are far too many people who perceive any difference of opinion as a personal attack on them. This is simply not so. We can differ, and others can differ with us, without it being an attack. This can be hard to keep straight emotionally when we are in the heat of the situation. It may be good to practice asking the question, “Is this person just expressing a difference of opinion, or are they personally attacking me?” If I were to guess, 90% of the time the answer would be the former.

How about in your life? Do you have people who every time you disagree with them they perceive it as a personal attack? You might work on a gentle way to remind them that you are not attacking them, you are just disagreeing with them. How about yourself? Have you been guilty of this in the past? Start asking yourself the question now.

YOU CAN MAKE IT SO! 🤔

This is another one of those big secrets to an amazing life. Old Willy Shakespeare hit this one on the head. The happiest people in life, and often the most productive, have a great way of looking at their world. They see the opportunity in every challenge. The realists of the world will be quick to point out that this will not change the situation. I beg to differ. It may not change the past, and the circumstances leading up to the current situation. It will, however, change the present and the future. How you view circumstances will dictate the actions you take in the face of any situation. If you leave this up to chance, you are doing the same with your life.

It is all too easy to view certain events as good and view others as bad. That would mean sometimes you feel good, sometimes you feel bad. What happens when you can view everything through the lens of gratitude and hope? Your life becomes more enjoyable. You lose less time to melancholy. You are more likely to take advantage of the opportunities hidden in challenges.

One of the greatest examples I have heard of in recent times is Inky Johnson. He was an athlete ready to turn professional and bring his family out of generations of poverty. Right before this was going to happen, he suffered a career-ending injury. This is bad right? When asked if he could go back in time and undo that tackle that ended his hopes, he is quick to say he would not. Why would someone not want to undo an injury that not only cost him and his family millions of dollars, but altered his life completely? Simple, through that his father was able to come to spiritual enlightenment. He was able to serve as an example to members of his faith and inspire countless others. None of this would have happened if he had become a professional athlete. While the injury was certainly a very trying turn of events in his life, he views it as a blessing.

How about you? Are there situations in your life that you view as terrible? I am sure there are in all of our lives. The challenge is to find the good in those. This is not denying the challenge, but choosing to see the opportunity in it. It will not change the past or what occurred, but will change the feeling in the present and the trajectory of the future. How you think of and view the world makes all of the difference.